Federal credit union · Sayreville, New Jersey · NCUA charter #4726
Raritan Bay
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $104.8M
- Total assets
- 7,545
- Members
- 8.5%
- Net-worth ratio
Raritan Bay scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $104.8M; members 7,545; net-worth ratio 8.48%; health rank #3,556 of 4,374; healthier than 18th of scored peers.
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NCUA 5300 Call Report Masthead
#3,556 of 4,374 health · 2025Q4Raritan Bay · health 71/100 · $104.8M · 2025Q4
Call Report peers
Raritan Bay in the assets neighbourhood
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Raritan Bay vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Raritan Bay sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Raritan Bay vs $100M–$500M peers
- Largest favorable gap: Delinquency Rate at 0.72% vs peer 0.89% (-0.18 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -34.82 pp (37.38% vs 72.20%).
Where Raritan Bay sits in New Jersey
- In New Jersey, health place is #76 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #29 of 127 inside New Jersey ($104.8M reported).
- New Jersey membership ordinal: #28 of 127.
- One place up in New Jersey, Nj Gateway (#75) ties at 71/100; one place down, Bridgeton Onized (#77) ties at 71/100.
How Raritan Bay's 5300 filing moved
Raritan Bay: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $104.8M (2025Q4) to $107.1M (2026Q1).
- Net-worth ratio shifted +0.06 pp (8.42% → 8.48%).
This credit union's 8.48% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
Raritan Bay gives up 29 points in total. Member Growth costs the most, 15 of its 15; Return on Assets loses the least, 2.1.
- Net Worth Ratio 26.2 pts
- Delinquency Rate 22.8 pts
- Return on Assets 12.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.1 pts
Raritan Bay health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.48% | -3.63 pp |
| Delinquency Rate | 0.72% | -0.18 pp |
| Return on Assets | 0.36% | -0.26 pp |
| Member Growth | -16.10% | - |
| Loan-to-Share Ratio | 37.38% | -34.82 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Raritan Bay quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $107.1M | - |
| 2025Q4 | $104.8M | 7,545 |
| 2024Q4 | $101.7M | 8,993 |
| 2023Q4 | $106.2M | 8,552 |
Credit Union Details
- Charter Number
- 4726
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Sayreville
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Raritan Bay.
| Office | City |
|---|---|
| Main Office (Main Office) | Sayreville, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Raritan Bay ranks #3,556 of 4,374 nationally on financial health and #76 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SEAPORT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SEAPORT
Frequently Asked Questions
Is Raritan Bay financially healthy?
Raritan Bay has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,556 of 4,374 nationally on health and #76 of 127 in New Jersey. Its net worth ratio is 8.48% and its delinquency rate 0.72%.
How does Raritan Bay compare to other credit unions?
Raritan Bay scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.72% vs 0.89%). Its widest shortfall is loan-to-share ratio (37.38% vs 72.20%).
How can I join Raritan Bay?
Raritan Bay operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Raritan Bay directly for the exact boundaries and application steps.
Is my money safe at Raritan Bay?
Raritan Bay is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Raritan Bay's net worth ratio of 8.48% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.